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How much is car insurance in Alexandria?
|Area||Average Monthly Car Insurance Premium|
Coverage for your vehicle in Alexandria will typically run you about $10 a month more than in the rest of Virginia.
Compared to the national average cost of auto insurance coverage, Alexandria has lower rates. It's about $10 cheaper to insure your vehicle in Alexandria compared to the average rate for the United States as a whole.
Although these are the average car insurance rates in Alexandria, you could end up paying something different. There are a number of factors that determine how much insurance companies might charge you to insure your vehicle. Your bill each month is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.
Don't sweat it however, we've broken down average rates for Alexandria residents so that you can get a more accurate idea of what you might pay. And if you think you might be overpaying for insurance, simply enter your ZIP Code below to learn more about rates in your area!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
The older you are, the more experience you're likely to have behind the wheel, right? That experience can lead to some serious savings when it comes to car insurance rates. In this case, 18-24-year-olds pay $54 more than someone who is at retirement age.
You can expect to see your monthly premium drop about once a decade or so. Once you hit retirement age, however, your rates may creep back up in Alexandria.
Average Car Insurance Rates by Gender
Car insurance rates for women are generally cheaper than they are for men. In Alexandria, the difference is around $11 per month. Looking at the table above, you can see that female drivers pay around $64 on average, while male drivers typically pay $75 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can vary wildly depending on your driving record. Drivers with clean records can expect to pay significantly less than those with accidents or violations. The rate for drivers in Alexandria with a single accident on their record is about $84 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $80.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$83|
|15 Years or Older||$67|
According to the first table above, the cheapest vehicles to insure in Alexandria are by and large SUVs, trucks, and vans, at $69 per month.
Car owners, however, pay about $72 per month for car insurance coverage.
Your vehicle's age has an impact on the cost of your policy as well. Generally, the most expensive vehicles to insure are going to be newer ones. However, your rates may start to drop back down once your car is a few years old. In Alexandria, the most expensive vehicles to insure are vehicles four-to-five years old.
Your vehicle's age also plays a role in your monthly payment. Overall, newer vehicles are going to be the most expensive to insure. However, once your car is about 5 years old, you might start to see your rates slide back down slightly. In Alexandria, for example, the most expensive vehicles to insure are vehicles four-to-five years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$73|
Generally speaking, those who have settled down into marriage will pay slightly less for insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.
The cost of auto insurance in Alexandria reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $5 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$93|
Another factor taken into consideration is your housing situation. If you rent your home or apartment, expect to pay around $14 a month more than if you own your own home in Alexandria. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your overall costs, depending on your insurance company.
Car Insurance Companies in Alexandria, VA
Recent trends in car insurance for Alexandria drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before shopping for coverage.
Auto insurance rates in Alexandria declined from 2017-2019, when they hit a low of $66. This leveled out in 2020, when insurance rates started to rise. They reached a high of $83 in 2021, and finished down in 2022, at $68 a month.
How does Alexandria compare to neighboring areas?
Why are car insurance rates in Alexandria different from other areas?
Car insurance companies will take into account numerous factors when figuring out how much to charge for a policy. While we mentioned the factors that affect your personal policy, others are based around where you live and drive. These include things like:
- Local regulations
- Off-street parking availability
- Amount of drivers in the community
- Road safety
- Crime rates
While you won't have the ability to change these factors yourself, they can be handy to keep in mind when seeking a new policy or considering a move. With the knowledge that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.
How can I find the cheapest car insurance in Alexandria?
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
Good news! Compare.com will handle the heavy lifting for you. Simply enter your ZIP below, respond to a few questions, and you'll be comparing the cheapest quotes from a number of the car insurance companies providing auto coverage in Alexandria.
Alexandria Insurance FAQs
What factors affect car insurance quotes in Alexandria?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your gender and age, but also factors like your driving record, credit score, address and marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in Alexandria different from other neighboring cities?
Auto insurance companies consider regional factors, such as parking situations, crime rates, and local laws into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.
Which car insurance company will offer me the cheapest rate in Alexandria?
There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.
Do I need to change my insurance if I move to Alexandria?
Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Alexandria or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?